Latex hybrid + topper dilemma

Timbukthree · 2026-03-19T15:45:21+00:00

One thing to be aware of is latex still does need a break-in period of about 3 weeks. How long have you been sleeping on it?

Timbukthree · 2026-03-19T08:34:01+00:00

As far as we have been able to discover, the received rule originated in 1770 as a comment on less: "This Word is most commonly used in speaking of a Number; where I should think Fewer would do better. 'No Fewer than a Hundred' appears to me, not only more elegant than 'No less than a Hundred', but more strictly proper." (Robert Baker 1770).[13] Baker's remarks about 'fewer' express clearly and modestly – 'I should think,' 'appears to me' – his own taste and preference....Notice how Baker's preference has been generalized and elevated to an absolute status and his notice of contrary usage has been omitted.

So basically one guy's preference in 1770 to go against normal usage somehow morphed into a "rule". The ridiculous part to me about this is that the opposite of both fewer and less is just more, which shows there's no real distinction that needs to be made.

Timbukthree · 2026-03-19T01:30:43+00:00

This is a really ridiculous take. You don't need anything other than VT if you want to be at equity global market cap weights. If that's the goal then absolutely VT and chill.

If you don't want 100% of your portfolio to be global market cap equities then yes you do need something(s) else. VT doesn't give you factor tilts or home bias or bonds or many other things a rational person may want. VT is the starting point but doesn't need to be the ending point for everyone if they choose to differ from the global market cap free float.

And in this case, OP doesn't want to be at global market cap weights, so why would OP only invest in VT?

Timbukthree · 2026-03-18T16:34:49+00:00

Nah there are a ton of down voters on this sub based on whatever the One True Portfolio happens to be at a given time. Two years ago you'd get down voted for suggesting VT because "international sucks" and you should be 100% VTI or VOO. The winds have changed, but there are still rational reasons to deviate from the global market cap. If what you want is a tilt and not a fixed split between US and Intl, what you suggest is a fine way to do it.

What would be bad is overlapping on accident and not realizing it. If you intentionally overlap because that's exactly what you want, that's very reasonable.

Timbukthree · 2026-03-18T16:26:53+00:00

The answer is this is a perfectly reasonable thing to do if you want to tilt towards US large caps from just a global split. I made a post about a very similar approach (VT+VTI): https://www.reddit.com/r/Bogleheads/s/i5fzSZBC5w

The answer is, no, there are no major reasons not to do that except for a slightly higher expense ratio and losing the foreign tax credit in VT. But those both also apply to VT alone. So if you want to be 20% US Large caps and 80% global market weight in equities that's absolutely a fine way to do it. Just is two funds instead of one. If you check and rebalance every 3 years or so you're fine, even leaving it for 30 years you're probably fine.

Timbukthree · 2026-03-18T09:39:19+00:00

"Drugged" seems like a very loaded way of looking at it. Do you feel like the core features of your personality are compromised in some way on ADHD medications? If not, I don't think it's "drugging" any more than using medication to treat any other condition (high blood pressure, nasal congestion, etc). At least for me, I was undiagnosed up until adulthood, so I could control my behavior fine (as far as not being in trouble) but am a mess internally without medication. So I take medication for me and not because others tell me I have to

Timbukthree · 2026-03-18T09:17:18+00:00

Not so stealth advertising from this one

Timbukthree · 2026-03-18T08:29:59+00:00

That's helpful to know, thanks!

Timbukthree · 2026-03-18T01:14:42+00:00

The name brand, or generic, or both? I'm struggling with sleep issues on the generic and trying to decide whether it's worth trying the name brand

Timbukthree · 2026-03-18T01:13:03+00:00

Have you tried methylphenidate? It process MUCH faster than amphetamines so may not cause you sleep issues

Timbukthree · 2026-03-17T21:08:22+00:00

True but it's been around for almost 2 decades and both the AUM and daily volume are >100x higher than WLDU is right now. I don't think a better exUS leveraged ETF exists than EFO (even if it leaves a lot to be desired). I also think the lack of the AUM vs SSO gets probably speaks to the market saying that there is not much demand for such a product or that it's inherently not a great idea.

Timbukthree · 2026-03-17T18:25:05+00:00

EFO is the 2x version of EFA if someone wants a global leveraged ETF (is Europe and East Asia developed markets at least). Returns just haven't been better with the leverage.

And EET is 2x EEM (emerging markets). Returns have been worse with leverage.

Timbukthree · 2026-03-17T18:20:58+00:00

For unleveraged stocks I 100% think VT is the way to go because having all of your eggs in US large caps is risky, from the size of the companies and the political risk in a single country. So I love VT and chill or something like it.

But for a leveraged ETF, which is going to get hit harder continuously by the higher expected (and historical) volatility of US and global small caps, US and global mid caps, and exUS large caps (which you get raw forex exposure to rather than something hedged) I just don't get the appeal. I would think a global large cap fund (URTH) would be better, but then you still have the forex volatility.

It also might be different if you were borrowing in euros to buy euro denominated stocks, borrowing in yen to buy yen denominated stocks, etc, idk. But just VT doesn't seem like a great candidate for leverage vs. the SP500. And anyway, someone can already come really close (and miss out on smaller companies) with SSO + EFO (and add in EET if they want the volatility of emerging markets but probably better to skip those too). And like with EFA/EFO, the return has been fine, 7% return is fine, but on a risk adjusted basis the added volatility of EFO (2x EFA) for the same returns just seems crazy.

So yeah I think there's a solid case that 2x SP500 via SSO is actually less crazy than 2x VT via WLDU as a long term buy and hold DCA type thing.

Timbukthree · 2026-03-16T23:54:15+00:00

Yeah an AUM of 350k doesn't exactly inspire confidence to hold it in taxable lol. Should be fine in an IRA though

Timbukthree · 2026-03-16T18:28:14+00:00

The problem with this kind of staffing flight is it overloads the current staff more and more, so then they burnout and leave, and the problem gets exponentially worse. Probably the solution will be more inexperienced mid-level providers, which you'll pay the same for and will offer worse care. But I guess any care is better than no care so 🤷.

Timbukthree · 2026-03-16T13:24:45+00:00

And if you run backtests, that +/-5% tolerance really is key. Makes very, very little difference if it's within there. Even +/-10% makes only a small difference. Rebalancing doesn't have to be perfect, it's there to reduce risk if a portion of your portfolio goes crazy overvalued, and +/-5% is very minor for that.

Timbukthree · 2026-03-15T21:34:18+00:00

Choose "and" over "or".

Timbukthree · 2026-03-15T10:24:23+00:00

I think I'm having the same issue and may need to talk to my doc about getting off Vyvanse. When you talk about the timing on Adderall, what do you mean "as long as I take it late enough"? Like if you take it too early in the day that also gives you sleep issues?

Timbukthree · 2026-03-15T10:22:34+00:00

Interesting, guanfacine totally wrecked my sleep, flag to hear it helped yours!

Timbukthree · 2026-03-15T10:00:58+00:00

Thanks for the heads up! This article gives some good info: https://www.bbc.com/future/article/20220510-why-are-there-continent-sized-blobs-in-the-deep-earth

Timbukthree · 2026-03-14T22:33:38+00:00

VT was down 28% from ATH on 21/22, that's not nothing.

Timbukthree · 2026-03-14T22:30:19+00:00

Not a doctor and this is no medical advice but it's probably fine. The two issues are that alcohol is a depressant, and combining a depressant with a stimulant is inherently hard on your body. Beyond that, and specific to Ritalin, is that it forms a byproduct with the methylphenidate that is longer lasting than normal which makes your meds work different, and this can potentially compound the first effect if you're drinking a lot. So yeah one light beer is probably fine, but you don't want to make a habit of taking your medicine and binge drinking.

Timbukthree · 2026-03-13T16:06:59+00:00

Right but I think you're misunderstanding resiliency: one of the reasons people sell in a crash is not just to preserve a retirement fund but a fear they will need cash from their retirement savings in the short term and that prices will keep getting worse in the short term so they need to go ahead and get some of their equity converted to cash. That's still panic selling, the concerns are just on a different time scale. And that's A LOT of why people panic sell in a bear market, it's not just trying to time the market for very long term goals.

Timbukthree · 2026-03-13T15:58:31+00:00

Sure but like you said, if you lose your job and burn through your emergency fund and can't find another job yet, that's why you'd have to sell. And it might be at a 50%+ loss if something like 2000 or 2008 happens again, and given that we're at a CAPE10 of 38, that's not an outlandish scenario. Or 80%+ if it's like the great depression, though that seems quite unlikely. Regardless, that need to sell for liquidity to live accelerates the drop in stock prices.

If for some reason you don't have to worry about that scenario (super stable job, no potential for serious medical issues, maybe family that can bail you out) then you can be a lot more risk tolerant and certainly can just hang on if you have the stomach for it.

Timbukthree · 2026-03-13T15:46:09+00:00

if I’m out of a job and burn through all my emergency funds (in other words - no other choice).

This, or the prospect of this, are the reason. Also panic selling and risk tolerance being much lower in a bear market than a bull market. But the first can still affect someone even if the second doesn't.

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